Visa Intelligent Commerce

Overview

Visa Intelligent Commerce is Visa's suite of APIs and protocols designed to enable AI agents to conduct secure financial transactions on behalf of users. The platform provides agent identity verification, spending controls, transaction limits, and real-time fraud detection specifically designed for autonomous purchasing scenarios. Unlike traditional payment systems that assume a human is clicking "buy," Visa Intelligent Commerce understands that an AI agent is initiating the transaction and applies appropriate security measures — including agent authentication tokens, spending guardrails set by the user, and merchant verification. For enterprises building AI-powered purchasing systems, Visa's brand trust and global acceptance network (80M+ merchant locations) provide the foundation needed for at-scale agentic commerce. The platform is designed to work alongside Visa's existing payment infrastructure, meaning any merchant that accepts Visa can accept agent-initiated transactions.